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AARP The Hartford Auto Insurance Review

24 Customer Comments & Reviews - see all comments
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AARP, otherwise known as the American Association for Retired Persons, offers a good array of auto insurance policies. Founded in 1810 in Hartford, Connecticut, The Hartford is a financial services company that specializes in providing a range of insurance products. Their auto insurance specifically offers a good amount of customization in terms of its coverage and discount options.

How is AARP The Hartford rated?

Breakdown

3.5/5
Coverage
3.5/5
Financial Strength
0.0/5
Supplemental Coverage
3.5/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
0.0/5
Automation

Overall Rating: 3.5 / 5 (Very good)

AARP The Hartford’s auto insurance coverage falls squarely within industry standards. Policies, discounts, and limited marketshare percentage aside, they stand out due to their commitment to excellence. As the highest-rated company within the scope of the JD Power averages, AARP The Hartford instantly makes itself worthy of consideration.

AARP The Hartford Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Towing & Labor Cost
  • Glass

Coverage - 3.5 / 5

As the car insurance arm of the AARP, The Hartford’s coverage is relatively run-of-the-mill. They do offer optional add-ons, which include glass repair, personal injury, collision protection, and more.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.65
NAIC Total Complaints 2020
33

Customer Ratings

BBB Rating
A-
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
14
Date Collected
2017-11-10
*The NAIC Car Insurance complaint ratio (in this case 1.65) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4 / 5

AARP the Hartford has a relatively higher-than-average complaint ratio. However, the company boasts an A- grade with the Better Business Bureau rating. We consider that, overall, their customer experience is commendable.

Financial Strength

Key Details

Premiums Written 2020
$2,484,236,564
Marketshare
1.16%
AM Best Financial Rating
A
Standard & Poor's Financial Rating
A

Financial Strength - 3.5 / 5

AARP The Hartford is a middle-lane player in the auto insurance industry, with a modest marketshare percentage of 1.16%. However, they have obtained good ratings from financial strength organizations, such as Standard & Poor's and AM Best.

Pricing & Discounts

Discounts

  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Student
  • Bundled Policy

Pricing & Discounts - 3.5 / 5

AARP The Hartford is able to offer a select number of discounts in their pricing schematic. Largely revolving around safety, they offer discounts to people with reliable vehicles, safe driving history, bundled policies, and anti-theft protections. Further discounts are available for students with clean driving records.

Contact & Additional Information

Homepage URL
Company Phone
(800) 423-6789
Headquarters Address
690 Asylum Avenue, Hartford, CT, 06155
Year Founded
1810

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24 Customer Comments & Reviews

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nb
4/1/2019
dropped our homeowners policy with a reason that they decided to not insurance this zip code any longer. Dropped our comprehensive without stated reason. Poor communications. When we re-insured with another but reputable company, they were shocked to hear of Hartford's capriciousness. Other complaints talk about how hard it is to get a claim properly paid. We're moving companies before we find ourselves in that predicament. I never should have called their underwriter an undertaker, he was probably anger.


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Stephen
3/14/2019
Fact: Hartford, can and will increase your insurance policy rate by 50% because of your credit rating!!! Fact: Hartford Can and will increase your insurance policy rate by 50% when gas prices go down!! Fact: Hartford Can and will increase your insurance policy rate by 15% because of your age!! Fact: Hartford Can and will increase your insurance policy rate by 50% because of higher cost of health insurance in your state. Fact Hartford Can and will increase your insurance policy rate by 50% because of teenage drivers in your state.


Charles B
2/11/2019
Had to drop the auto & homeowner policy since rates went sky high. Had a fender bender that cost them $803 so they spiked our rate over 30% (tried to pay other driver ourselves). Still waiting for refund of $250 for over 10 days- they said they RUSHED it thru?


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Ken R
1/18/2019
Wife's car was parked and hit. 4 years later we have an at fault accident against us for $45 that's u explained. Even after complaints to insurance commission. Our VW was recalled so we cancelled the insurance. When we bought a new Toyota they refused to insure it. Cannot be trusted.


Crystal S
1/11/2019
The Hartford is a shady business. They will agree they owe half of damages and mail the check (they really owe full but will only agree to half) when you start complaining and filing complaints with the officials they MAGICALLY remember a state statue that keeps them from paying anything they stop payment on the check and hide behind this state statute they magically remembered weeks after agreeing they owed money. I wouldn't recommend them to my worst enemy! The company retaliated once I filed complaints and they then stopped payment on their check and are hiding behind a state statue that was there when they agreed to pay initially claiming "we only just found it" Really, its been there... Read More


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Rick P
12/27/2018
Watch out for this company and make sure you read the fine print. They pulled a bate and switch on me for insurance rate. Interviewed me for insurance where I disclosed a previous fender bender and they quoted a rate. I accepted rate and they sent policy which I paid. A month later they sent another policy stating the accident would increase my rate by $500/yr for 5 years! If they had been up front with me I wouldn't have accepted the rate. I bailed and went back to my old company. Note: They also have a company policy where your rates will increase if you are involved in an accident even if you were not at fault! So if someone hits you, your rates go up! How is that fair?


Amber E
11/25/2018
My experience with Ian with The Hartford Auto Insurance Claims Adjuster was horrible. It took me 2 days of me calling to finally get ahold of the adjuster to get the claim started. The adjuster was rude and I am pretty sure he hates his job. I filed a complaint and someone called me back but it didn't help the adjust with his poor customer service. The adjuster seemed put out when I called for an updated instead of being helpful and making sure I understood all that was going on. It took the collision place a week to get the supplement check to be able to get my car worked on and finished. I wouldn't refer my cat to this company even though I am not their customer which is probably why... Read More


D
Debra B
9/26/2018
If I could give no stars, I would. Hartford informed me that they were totaling my 2004 Acura with 100,000 miles on it because it would cost $7,000 to repair it. They told me the car was worth $5,000. As proof my car was worth more, I sent 3 files of cars with an average of 41,000 MORE miles per car, each being sold for between $8,000-$9,000. I had to buy the car back from Hartford and have it fixed myself. They not only undercut the worth of my car, they also deducted $1,600 they would have received for salvage. I paid to have my car returned to its original beauty. I then received a notice from the DMV saying my car was destroyed and I had to purchase a new title. Hartford did not... Read More


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Ed E
8/20/2018
The AARP Hartford Auto Insurance company provides for very good insurance rates for Auto insurance. However, they make a lot of errors on their paperwork, and as a customer you have to be diligent and not only catch their mistakes but get them corrected. I found them (the people and agents I talked to) mostly very easy, courteous and pleasant to deal with. This is an important factor for me. They really need to improve themselves quite a bit. Their process controls and software problems are creating some of the issues that needs to be fixed. As far as AARP is concerned, their choice of this insurance company is average and with their "power of Membership" they could have chosen a... Read More


Giao Q
7/7/2018
I had the Hartford Auto Insurance 3 years, my daughter was 24 years old added up to my insurance, they raised the insurance yearly. I called them they told my daughter should take the online class for safety, so they will give us the discount. Waiting my daughter took a test, I forgot to make a payment online, the Hartford was never sending my letter to my house, they were automatic cancel my insurance and reported to the MVA. I didn't know that we were driving a car without insurance. I called the customers services, they were very disrespect. I had to paid the MD DMV fine each car $150. Endup, I had to paid $450 for three cars. They told you discount if you are a member of AARP and had... Read More



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